The 31-year-old singer was spotted talking on the phone while driving on Charing Cross Road in central London but allegedly refused to stop when a police officer flagged her down, reported Daily Mirror.
She was stopped minutes later and arrested by officers before being taken to nearby Holborn Police Station.
Harding has been charged under two offences.
"Sarah was driving in a 4x4 when a policeman on a bicycle saw her and tried to make her stop. He was trying to flag her down but she carried on a bit down the road where she was pulled over a couple of minutes later.
Police has confirmed the charges against her and said that she had been bailed to appear in court on April 16.
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